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Fidelity Advisor IRA Roth Conversion, page 1

Moderate · 49/100Form Complexity Index

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What this form asks for

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The Fidelity Advisor IRA Roth Conversion form is a financial document used to formally request the conversion of funds from a pre-tax retirement account (like a Traditional, Rollover, SIMPLE, or SEP-IRA) into a post-tax Fidelity Advisor Roth IRA. This process is a taxable event, and the form is crucial for providing Fidelity with the necessary authorization, asset details, and tax withholding instructions. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.

Fillable fields89

Pages4

Form Complexity IndexModerate, 49/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Ensures All Required Account Information is Provided

This check verifies that all fields in Section 1 (Account Information) are completed, including First Name, Last Name, SSN, Date of Birth, Mobile Phone Number, and Email Address. These fields are critical for identifying the account owner and processing the conversion request accurately. A failure would prevent form submission until all required fields are filled.

Validates Social Security Number (SSN) Format

This validation ensures the Social Security Number entered in Section 1 consists of exactly nine digits, and may enforce a XXX-XX-XXXX format. An accurate SSN is legally required for tax reporting purposes related to the conversion. An invalid format will trigger an error message prompting the user to correct the entry before proceeding.

Verifies Valid Date of Birth

This check confirms that the Date of Birth in Section 1 is a valid calendar date in MM DD YYYY format and that the account owner meets the minimum age requirement (e.g., 18 years old) to enter into this agreement. This is important for legal and compliance reasons. If the date is invalid or the individual is underage, the form cannot be processed.

Conditional Section Completion Based on IRA Location

This check enforces the logic selected in Section 2 (IRA Location). If the user indicates their IRA is with Fidelity, Section 3 must be completed and Section 4 must be blank. Conversely, if the IRA is with another custodian, Section 4 must be completed and Section 3 must be blank. This prevents ambiguity and ensures the correct conversion workflow is initiated.

SIMPLE IRA Two-Year Holding Period Rule

If 'SIMPLE IRA' is selected in Section 4, this validation checks that the 'Date Contributions Were First Made' is at least two years prior to the current date. This is a mandatory IRS rule for converting a SIMPLE IRA to a Roth IRA. A failure to meet this requirement will block the conversion and inform the user that they are not yet eligible.

Fidelity Account Number Existence and Ownership

When a user provides an 'Existing Fidelity IRA Account Number' in Section 3, this check validates that the account number is a valid, active account within Fidelity's systems. It should also verify that the account is registered to the same individual identified in Section 1. This prevents unauthorized or erroneous conversions from the wrong account.

And 8 more checks

Partial Conversion Specification Logic
Trustee-to-Trustee Investment Allocation Total
Mutually Exclusive Federal Tax Withholding Election
Federal Withholding Percentage Range
State-Specific Tax Withholding Logic
CD Maturity Date Submission Window
Signature and Date Presence
Valid Email Address Format

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How to Fill Out Fidelity IRA Roth Conversion Online for Free in 2026

What the AI walks you through.

Navigate to Instafill.ai and upload or select the Fidelity IRA Roth Conversion form to begin.
Provide your personal account information in Section 1, including your full name, Social Security Number, date of birth, and contact details.
In Section 2, indicate the current location of the IRA you wish to convert, whether it's already with Fidelity or held by another custodian.
Complete the appropriate conversion authorization section (Section 3 for Fidelity IRAs or Section 4 for external IRAs), specifying the accounts and the amount (full or partial) to be converted.
Make your federal and state income tax withholding elections in Section 5. A Roth conversion is a taxable event, so this step is critical for managing your tax liability.
Carefully review all the information you've provided, then proceed to Section 7 to electronically sign and date the form, certifying your instructions and authorizing the conversion.

Common Mistakes in Completing Fidelity IRA Roth Conversion

The ones the AI is built to catch.

Forgetting to Attach the Required Custodian Statement

When converting an IRA from another institution, Section 4 explicitly requires attaching a copy of the most recent account statement. People often overlook this instruction, assuming the account number alone is sufficient. Without the statement, Fidelity cannot verify the assets to be transferred, leading to the form's rejection and significant delays in the conversion process. To avoid this, always double-check for required attachments before submitting; AI-powered tools like Instafill.ai can highlight these requirements to ensure you don't miss critical steps.

Attempting an Ineligible SIMPLE IRA Conversion

The form and IRS rules state that a SIMPLE IRA can only be converted to a Roth IRA two years after the first contribution was made. Filers may be unaware of this rule or misremember the date, leading them to request an ineligible conversion. This will result in the rejection of the request, forcing the user to wait and resubmit the form later. It's crucial to verify the exact date of the first contribution before filling out Section 4.

Misunderstanding Tax Withholding Elections

A Roth conversion is a taxable event, making Section 5 critical. Many people either forget to make an election or don't understand the consequences, not realizing that Fidelity is required to withhold a default 10% for federal taxes if no choice is made. Furthermore, state withholding rules are complex and vary; making an invalid choice for one's state of residence will cause processing errors. It is vital to consult the 'Notice of Withholding' and a tax professional to make an informed decision.

Selecting the Incorrect IRA Location

In Section 2, the filer must choose between an existing Fidelity IRA or an IRA at another custodian, which determines whether they fill out Section 3 or Section 4. Selecting the wrong option causes the user to provide information in the wrong section, making the application invalid. This fundamental error results in immediate rejection and requires the user to start over with a new form. Carefully read Section 2 to ensure you complete the correct part of the application.

Forgetting to Sign and Date the Form

This is one of the most common reasons for form rejection across the board. Filers often complete all the complex financial details but forget the final, crucial step of signing and dating in Section 7. An unsigned or undated form is legally invalid and cannot be processed, causing the entire submission to be returned and restarting the process from the beginning. Always perform a final check for a signature and correctly formatted date before submission.

Failing to Include a New Roth IRA Application When Needed

This form is for converting assets *to* a Roth IRA. If the account owner does not already have an existing Fidelity Advisor Roth IRA, they must submit a separate 'Fidelity Advisor IRA Application' along with this conversion form. Many people miss this requirement, assuming this form alone will create the new account. This omission will halt the entire process until the separate application is received, significantly delaying the conversion.

Ambiguous Partial Conversion Instructions

In Section 3, when converting only part of an IRA, users must specify the exact dollar amount or percentage for each fund. People often provide vague instructions, list incorrect fund numbers, or enter amounts that don't match their holdings. This ambiguity forces Fidelity to halt the process and contact the owner for clarification, delaying the conversion. To avoid this, use a current statement to get the correct fund numbers and decide on precise dollar amounts or percentages for each.

Incorrect Investment Allocation Percentages

In Section 4, when specifying how to invest the converted funds into a new Fidelity Roth IRA, the percentages must add up to exactly 100%. Filers can easily make a calculation error when allocating across multiple funds. While the form notes that Fidelity will adjust the first fund to correct the total, this may not reflect the filer's true investment intent, potentially leading to an undesirable asset allocation. To prevent this, carefully double-check that all specified percentages sum to 100% before signing.

Incomplete or Inaccurate Custodian Information

When transferring from another institution (Section 4), all fields for the current custodian—including name, address, phone number, and account number—are required. People may leave fields blank if the information isn't readily available, or they might provide an incorrect account number. Incomplete or inaccurate data prevents Fidelity from contacting the other institution to initiate the transfer, causing significant delays. Using a tool like Instafill.ai, which can make this non-fillable PDF interactive, helps ensure all required fields are completed before submission.

Confusing a Notary with a Signature Guarantee

The form explicitly states that a notary public cannot provide a signature guarantee, which may be required for certain transactions. Users unfamiliar with this distinction may obtain a notary stamp, believing it to be sufficient. Submitting a form with a notary stamp when a signature guarantee is needed will lead to rejection and require the filer to visit an eligible financial institution (like a bank or credit union) to get the correct stamp and then re-mail the form.

Frequently Asked Questions About Fidelity IRA Roth Conversion

Is it really free for 7 days?

Yes. You pay $0 today. Cancel before Nov 8 and you are never charged. Keep it, and it is $19.99 a month for 5 fills of your Fidelity IRA Roth Conversion.

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This plan is for your Fidelity IRA Roth Conversion: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.

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How does the AI fill out Fidelity IRA Roth Conversion?

You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Fidelity IRA Roth Conversion, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.

What happens to my information?

It is encrypted in transit and at rest, and it is never used to train AI.

How complex is Fidelity IRA Roth Conversion to fill out?

Fidelity IRA Roth Conversion has a Form Complexity Index of 49 out of 100, in the moderate tier: 89 fillable fields across 4 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.

What is the purpose of the Fidelity Advisor IRA Roth Conversion form?

This form is used to convert an existing Traditional, Rollover, SIMPLE, SEP, or SARSEP-IRA into a Fidelity Advisor Roth IRA. It facilitates moving your retirement assets from a pre-tax account to a post-tax Roth account.

Who needs to fill out this form?

You should fill out this form if you have an eligible pre-tax IRA and wish to convert all or part of it to a Fidelity Advisor Roth IRA. If you don't already have a Fidelity Advisor Roth IRA, you must also complete a Fidelity Advisor IRA Application.

What is the difference between Section 3 and Section 4?

You should complete Section 3 if your IRA is already with Fidelity Advisor. Complete Section 4 if your IRA is currently held at a different financial institution (another custodian or trustee).

What documents do I need to provide with this form?

If you are converting an IRA from another custodian (Section 4), you must attach a copy of your most recent account statement for that IRA. No other documents are explicitly required unless a signature guarantee is needed.

Will I have to pay taxes on this conversion?

Yes, a conversion from a traditional IRA to a Roth IRA is a taxable event. The amount you convert is generally considered taxable income for the year in which the conversion occurs, so you should consult a tax professional.

Can I reverse or 'recharacterize' this Roth conversion if I change my mind?

No, the Tax Cuts and Jobs Act eliminated the ability to recharacterize Roth conversions made in 2018 or later. Once you convert the funds, the action cannot be undone.

How do I specify my tax withholding choices in Section 5?

In Section 5, you can elect to have federal and state income taxes withheld. If you do nothing, Fidelity is required to withhold 10% for federal taxes, but you can choose a different rate (from 0% to 100%) or elect no withholding at all.

I have a SIMPLE IRA. Are there any special rules for converting it?

Yes, you cannot convert a SIMPLE IRA to a Roth IRA until two years have passed since the first contribution was deposited into the account. You must provide the date contributions were first made in Section 4.

How do I submit the completed form to Fidelity?

You can submit the form by uploading it online via the Fidelity website, faxing it to 888-321-7349, or mailing it. If your form requires an original signature guarantee, you must send it by mail.

What is a signature guarantee and how is it different from a notary?

A signature guarantee is a stamp from an eligible financial institution (like a bank or credit union) that verifies your identity and signature to protect against fraud. Unlike a notary, which only verifies identity, a signature guarantee also insures the transaction.

Can I use an AI tool to help me fill out this form?

Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your information, which can save you time and help prevent errors.

How can I fill out this IRA Roth Conversion form online?

You can use a service like Instafill.ai to easily complete the form online. Simply upload the PDF, and the AI will make all the fields fillable so you can type your information, sign, and download the completed document.

The PDF version of this form I have is not fillable. What should I do?

If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. This allows you to easily type your information directly into the fields from your computer or mobile device.

What happens if I don't specify how to invest the converted funds in Section 4?

If you are converting from another custodian and do not specify investment instructions, the form states that if a share class is not indicated, Class A shares will be purchased. If percentages don't total 100%, the first fund listed will be adjusted to make the total 100%.

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